QUARTZ CONSULTING
ActiveQUARTZ CONSULTING has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €374k and a net result of €29k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 23% of 20783 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability60▲+10
Solvency55▼-2
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 0.97 in 2023; short-term debt: 63.2% and cash: 24% of total assets), and 70.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 20783 sector peers (2024).
NBB · sector comparisonPosition among 20783 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
29 d late
2022
60 d late
2021
22 d late
2020
31 d late
2019
80 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€374k▼ 4.1%
2023 · €390k
2018: €389k
2019: €435k
2020: €400k
2021: €422k
2022: €419k
2023: €390k
2018 → 2024
Total assets
€1.25M▲ 2.6%
2023 · €1.22M
2018: €811k
2019: €896k
2020: €989k
2021: €1.12M
2022: €1.20M
2023: €1.22M
2018 → 2024
Net result
€29k▲ 45.0%
2023 · €20k
2018: €51k
2019: €46k
2020: €65k
2021: €72k
2022: €56k
2023: €20k
2018 → 2024
Working capital
€666
2023 · €-25k
2018: €296k
2019: €375k
2020: €324k
2021: €367k
2022: €179k
2023: €-25k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€400k-€422k▲ 5.5%€419k▼ 0.9%€390k▼ 6.9%€374k▼ 4.1%
Operating result€106k-€121k▲ 13.6%€101k▼ 16.4%€54k▼ 46.5%€65k▲ 21.1%
Net result€65k-€72k▲ 10.6%€56k▼ 21.7%€20k▼ 64.6%€29k▲ 45.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 21% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.25M
Fixed assets
€459k▼ 8.8%
Current assets
€791k▲ 10.5%
Equity and liabilities €1.25M
Equity
€374k▼ 4.1%
Provisions
€36k=
Debt
€841k▲ 6.0%
The debt ratio rises from 65.1% to 67.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€120k▲
2023 · €97k
Cash flow
€83k▲
2023 · €63k
Solvency
29.9%▼
2023 · 32.0%
Current ratio
1.00▲
2023 · 0.97
Quick ratio
1.00▲
2023 · 0.97
Debt / equity
2.25▲
2023 · 2.04
ROE
7.7%▲
2023 · 5.1%
ROA
2.3%▲
2023 · 1.6%
Interest coverage
4.59▲
2023 · 3.53
Debt
€841k▲
2023 · €794k
Debt ≤ 1 year
€790k▲
2023 · €741k
Debt > 1 year
€25k=
2023 · €25k
Income taxes
€13k▲
2023 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.22M€1.25M▲
Fixed assets21/28€503k€459k▼
Tangible fixed assets22/27€503k€459k▼
Land and buildings22€497k€452k▼
Furniture and vehicles24€7k€7k▲
Current assets29/58€716k€791k▲
Amounts receivable within one year40/41€51k€89k▲
Trade receivables40€42k€71k▲
Other amounts receivable41€9k€18k▲
Current investments50/53-€400k
Cash at bank and in hand54/58€664k€300k▼
Deferred charges and accrued income490/1€928€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.25M▲
Equity10/15€390k€374k▼
Contributions10/11€6k€6k=
Reserves13€382k€365k▼
Non-distributable reserves130/1€41k€41k=
Reserves not available under the articles1311€41k€41k=
Distributable reserves133€341k€325k▼
Profit (loss) carried forward14€2k€2k=
Provisions and deferred taxes16€36k€36k=
Provisions for liabilities and charges160/5€36k€36k=
Pensions and similar obligations160€36k€36k=
Amounts payable17/49€794k€841k▲
Amounts payable after more than one year17€25k€25k=
Financial debts170/4€25k€25k=
Amounts payable within one year42/48€741k€790k▲
Trade debts44€2k€16k▲
Suppliers440/4€2k€16k▲
Taxes, remuneration and social security45€19k€14k▼
Taxes450/3€19k€14k▼
Other amounts payable47/48€720k€760k▲
Accrued charges and deferred income492/3€27k€25k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€54k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€99k€122k▲
Operating profit (loss)9901€54k€65k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€27k€26k▼
Recurring financial charges65€27k€26k▼
Profit (loss) for the period before taxes9903€28k€42k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€20k€29k▲
Profit (loss) for the period to be appropriated9905€20k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€31k▲
Profit (loss) brought forward from the previous period14P€927€2k▲
Transfer from equity791/2€49k€45k▼
Transfer to equity691/2€19k€29k▲
To other reserves6921€19k€29k▲
Profit to be distributed694/7€49k€45k▼
Return on contributions (dividend)694€49k€45k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €20k ▼64.6%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Highest result since 2018net €72k ▲10.6%
Operating result €121k, net result €72k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 80 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Ecaussinnes · 1 establishment unit since 1999
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Maurice Canon 317190 EcaussinnesGround area
1,404 m²
Building footprint
175 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Georges Soupart 26, 7191 Ecaussinnes
since 19992.090.296.748
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55008B0408/00K000 | Wallonia | 1,143 m² | 1 · 132 m² | - |
| 55009B0001/00B006 | Wallonia | 261 m² | 1 · 43 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MEMOCO
BE 0820.144.205
Ottignies-Louvain-la-Neuve · Eq €373k
TECH MGT
BE 0892.141.761
Braine-l'Alleud · Eq €374k
GOLDEN CARE
BE 0472.398.512
Eupen · Eq €373k
Arcwide Belgium
BE 0781.873.448
Brussel · Eq €373k
BRAINSOLUTIONS
BE 0478.971.548
Hove · Eq €374k
Of 16,878 companies in sector 62100 we hold annual accounts for 8,776. 5,902 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded09-02-1999
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.